This is mainly due to two different factors: the demographics and the mere size of the economies.

It was a mere $250K split between multiple homeowners who had to abandon their homes. 

You already own the real estate and are merely paying down the debt. 

OUCH.... the mere title hurts to read.I am not an attorney but from my personal experience.....

It is a better coverage for the policy holder than "Actual Cash Value" (ACV).

Unfortunately, most exchange companies are merely processors and do not really understand the closing process (and therefore do not want to get involved).  

"how there is such Happy Talk right now about the economy."1) We had a great economy before COVID2) Stock market is still rising3) Rates are all-time lows4) Pumping a ton of money into the economyI agree with you, but there are factors beyond mere human comprehension. 

I am not telling you what the answer is, merely asking. 

So this is not merely a coastal problem, but more of an urban vs. rural issue.

The number of votes is NOT a way to see how credible anyone here is.Number of votes is just a mere popularity contest.Not because 15 clowns agree with you does it mean that what ever you say is correct.So many people here fail and are struggling because they listen to others here without any kind of validation other than how popular they are on here.Absolutely use this channel to learn and gain knowledge.